Acme Insurance Brokerage, Inc.
176 Park Ave, Amityville, NY 11701
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176 Park Ave, Amityville, NY 11701
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95 Broadway, Amityville, NY 11701
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80G Montauk Hwy, Amityville, NY 11701
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Learn about insurance coverage options specific to Amityville residents.
Amityville home insurance averages $6,500/year including flood coverage. Learn about coastal risks, FEMA zones, and coverage options for Great South Bay properties.
Car InsuranceAmityville drivers need no-fault insurance with $50K PIP. Learn NY's 25/50/10 minimums, Suffolk County rates averaging $2,340/year, and ways to save 10%+.
General Insurance EducationComplete insurance guide for Amityville, NY waterfront living. Compare rates, understand flood coverage, and protect your Great South Bay home in 2026.
Flood insurance is legally required if you have a federally-backed mortgage and your home is in a FEMA high-risk flood zone (zones starting with A or V). However, even if not required, it's highly recommended—about 34% of Long Island properties face flood risk over the next 30 years, and standard homeowners policies don't cover any flood damage.
In 2025, Amityville homeowners are paying $4,700 or more annually for standard homeowners insurance, significantly higher than the Long Island average of $2,840. When you add required flood insurance (typically $1,800 for coastal properties), total annual insurance costs often exceed $6,500.
The National Flood Insurance Program (NFIP) is government-backed with standardized rates and covers up to $250,000 for your home and $100,000 for contents. Private flood insurance from carriers like Lloyd's of London can insure homes for full replacement value (up to $2 million), often with more flexible terms and potentially lower premiums, especially for well-maintained properties.
Standard homeowners insurance covers wind damage from hurricanes but excludes flood damage from storm surge and coastal flooding. You need both homeowners and flood insurance for complete hurricane protection. Also be aware that coastal properties often have higher percentage-based deductibles (2-5% of dwelling coverage) for named storms.
NFIP flood insurance policies have a 30-day waiting period before coverage begins, unless you're purchasing it as a requirement for closing on a home with a federally-backed mortgage. This means you can't wait until a storm is approaching to buy coverage—you need to plan ahead and purchase during calm weather.
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